Here's a breakdown on loan options to consider:FHA Loan: @Brittany Minocchi is right in looking at FHA option.  

Personally, I'd cash-out refinance into a 30 or 15 year loan.

what kind of loan?  

If you aren't going to be living in CR full time as you try to execute the deal I do not think it is physically possible for you to obtain a loan from Scotia Bank and not worth your time to try because the rates are so high. 

To set the stage, I'm owner of a short-term rental property in the Poconos in PA and we use a property management company for bookings, maintenance/cleaning, guest management, etc.This past weekend we had a guest booking but when the guests arrived Friday evening the house had no running water, though it had been running fine earlier in the day when the Property manager (PM) was at the house to give a final check and leave the welcome packet.

Registration fees $800+ SOI $50 fees California and legal stuff-keeping it simple-easier to refinance a SFR if decide to just BRR and cash out refi in my personal name versus trying to get loan in LLC name. 

Hey Patrick, This would be a DSCR loan.

There is so much growth here - population growth, job growth, and companies moving and developing here.

Most PMC's will add extra fees to help the company make some extra revenue.

With insurance companies canceling policies and raising rates has anyone uncovered a way to self insure rental properties?